1.1 How do I access my transaction account when I’m travelling (including Canada travels)? If I’m in the United States or Europe, can I access my transactions accounts from an ABM or direct payment?

The Interac®1 network allows you to access your accounts via ATMs in Canada displaying the Interac symbol. Fees of $1.50 are charged by the Interac network and a surcharge of other financial institution (varies by institution). You can also make a cash advance using your MasterCard National Bank. This network gives you the advantage of using your Client Card directly at merchants in Canada.

THE EXCHANGE®2 network allows you to access your accounts via ATMs in Canada displaying THE EXCHANGE®2 symbol. There are neither network charges nor surcharges from the other financial institution.

You can access the funds available in your chequing and savings accounts at an ABM on the CIRRUS®3 network fee of $4.00 are charged by the network CIRRUS®3 as well as the other financial institution surcharge.

NYCE Networks®4 and Maestro®5 give you the advantage of using your Client Card directly from merchants abroad.

As a rule, you get a Client Card when you open a transaction account. However, if you already have a transaction account, just drop by your branch with two valid pieces of ID so that you can be positively identified. You will be given a card right away and be able to choose a Personal Identification Number (PIN) directly at the ABM.

If the branch does not have ABMs, your card and PIN will be mailed to you.

Children as young as 7 can have a Client Card, but they are limited to deposits. If a minor wants a Client Card with no restrictions—a card that will enable him or her to make deposits and withdrawals, and perform many other types of transactions permitted at our ABMs—parental approval is required. Just drop by your branch.

Yes, as long as it is a combination of 4 numbers. But, you have to keep security in mind. For instance, never use numbers based on your name, date of birth, address, telephone number, social insurance number or combinations that could be traced to you.

Yes. To change your PIN, just go to any National Bank ABM that has the "PIN SELECTION" option in the main menu. Since ABMs are available 24/7, you don’t have to go to a branch during banking hours to do it.

If your card is lost, stolen or retained by an ABM, call 1-800-361-0070 or 514-281-3159 right away. These numbers are available 24/7 for your protection. You can also call TelNat between 6 a.m. and midnight, 7 days a week, at 1-888-4-TELNAT-1 or 514-394-5555. Once National Bank has been notified, your card will be cancelled immediately and you will be referred to a branch to get a new one.

No transactions can be performed without your PIN. If you follow these instructions, you can eliminate all risk of fraud:

To protect your money, protect your PIN.

Keep an eye on your card at all times when you are performing a Client Card purchase or using an ABM.

Never lend your card to anyone.

Your PIN is your electronic signature; never reveal it to anyone, not even a family member, or friend or the police. Bank employees will never ask you for your PIN. Your PIN is absolutely confidential.

Memorize your PIN and don’t write it down anywhere.

When doing an ABM transaction or Client Card purchase, use your hand or body to prevent people from seeing you enter your PIN. Don’t enter your PIN unless you feel absolutely safe.

If you think someone may have seen you enter your PIN, go to one of our ABMs right away and change it. Select the "PIN SELECTION" option on National Bank ABMs.

The most common way a criminal gets someone’s PIN is by positioning him or herself to see the cardholder enter the PIN when they use their Client Card at an ABM or to make a purchase. So you shouldn’t feel embarrassed to tell people to look away when you’re doing a transaction. After all, your PIN is the key to accessing your transaction account.

4.1 When I make a deposit at a banking machine, I am not always able to access the money I’ve deposited right away. Why?

When your Client Card is issued, you are assigned a deposit-withdrawal-rating based on your credit file. This rating determines how much you can withdraw from a deposit as well as the number of days the amount will be frozen. To find out your deposit withdrawal rating, contact your branch or call TelNat at 1-888-4-TELNAT-1 or 514-394-5555.